Investment objectives and target returns

Each investment option has a stated objective which is the desired investment outcome for the option. Investment objectives vary with the level of risk
associated with the asset(s) that make up the option. Keep in mind when reviewing the options' objectives that they are simply tools to monitor performance and not a forecast of future returns or prediction of the earnings on
your investment.

For each pre-mixed option, the investment objective includes a target return, which is expressed as a target level of return above inflation (as measured by
the Consumer Price Index) over rolling time periods.

For each single asset class option, the investment objective includes a benchmark to measure the performance of each option. Usually, the benchmark applied is a common market indication so, for example, the benchmark for shares would usually be a stock exchange index for the performance of the broad market.

The Trustee will review and may change the investment objective of an investment option from time to time (including its benchmark or target return).

The investment objectives and target returns do not constitute a forecast or guarantee of future performance or the future rates of return of the investment option.

Pre-mixed

High Growth
Diversified
Balanced
Capital Guarded

Single asset class

Australian Equities
Australian Socially Responsible Equities
International Equities
Property
Australian Fixed Interest
International Fixed Interest
Cash